A Complete Guide to Unlocking Agentic Commerce and Payments PDF Free Download
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Agentic Commerce Infrastructure for Merchants
A Complete Guide
to Unlocking
Agentic Commerce
and Payments
© VGS. All rights reserved.
vgs.io
From the CEO
Building Toward a
Seamless Agentic
Commerce Future
for Merchants
As commerce becomes increasingly
agentic, the shift toward
protocol-driven interactions
promises unprecedented speed,
privacy, and automation. But
somewhere between autonomous
agents and emerging standards, a
dangerous gap is forming. This gap
is where merchants risk losing
visibility and control over their
customer payment data altogether.
At VGS, we’re unpacking the what to
do now, building blocks, data
elements, and the key
infrastructure solution that will help
merchants confidently embrace this
shift. Our focus is on the merchants
who want and need to participate
seamlessly in the agentic
economy, without compromising on
their data.
We hope this guide helps merchants
navigate the evolving landscape of
agentic commerce and prepare for
what comes next.
Chuck Yu
CEO, VGS
How to Set Your Strategy
for Agentic Payments and
Transactions Now and in
Early 2026
How will agentic commerce and
payments impact merchants?
Consumers used AI for
research and shopping
78%
With 78% of consumers having used AI for product
research and shopping¹ in the past three months, VGS
believes agentic commerce represents an
overwhelmingly positive shift for merchants.¹
Agentic commerce isn’t just about offering APIs or
digital storefronts; it’s about enabling a new mode of
intelligent, autonomous interaction. Merchants who
embrace this change will go beyond basic digital
enablement to build seamless integrations with
existing systems and workflows.
In this model, merchants provide the trustworthy
technical infrastructure that allows autonomous
agents to securely access product data, verify pricing,
authorize payments, and confirm delivery, all while
maintaining compliance and data integrity. By
designing systems that “speak the same language” as
these agents, merchants can unlock new channels for
frictionless transactions and engage customers who
increasingly rely on AI to make purchasing decisions.
But what should a merchant be doing to empower
agentic transactions today?
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SECTION 1
Building Blocks of Agentic
Commerce for Merchants
After addressing what merchants can do right now, there are four key building blocks merchants
need for agentic commerce to be enabled on their end.
After all, by 2030, the US B2C retail market alone could see up to $1 trillion in orchestrated revenue
from agentic commerce, with global projections reaching as high as $3 trillion to $5 trillion,
according to McKinsey research.² Merchants need to start with building blocks to unlock agentic
commerce and contribute to the growing market.
Is your site going to let an agent get
through? Can an agent actually get in to
find products and make a purchase?
Most relevant for recurring billing merchants,
travel sites and ticketing sites with sophisticated
agent identification and blocking software.
Are you prepared for an agent to search
your website? Are they able to find SKU,
product descriptions, pricing, etc?
Once an agent is on your site, they need to be
able to discover your products and details quickly
and easily to surface to buyers.
How do you make sure an agent can
manage your checkout page successfully?
You will need to ensure that an agent can actually
manage and process through your shopping cart.
How do you enable an agent to complete
the transaction? Are you ready - yes or no?
Ensure that when a customer is ready to buy, your
transaction goes through smoothly. 4 options:
PAN, Network Token, Agentic Token, Virtual Card.
Agent Detection Searchability
Cart Creation Transacting
1 2
3 4
The US B2C retail market could see up to
in orchestrated revenue from agentic
commerce with global projections
reaching as high as
$1 trillion
$3 to $5 trillion
Agent Identification
1
The first step to enabling agentic commerce on any merchant website is making sure the agent can
access and navigate the merchant website
Agentic commerce involves agents, which can often look like “bots” on a webpage. Merchants
appropriately spent years implementing software to detect and block malicious bots.So how do they
decipher between bots and agents?Merchants may need to retrain their agent identification
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Merchants have spent years on
sophisticated software meant to
block bots from their websites
Agents look a lot
like bots
Merchants might need to retrain
their bot and agent identification
models to ensure that legitimate
transactions that are being made
by an agent on behalf of a real
person don’t get blocked
Let trusted agents
get through
Industry Relevancy
Retail Low; likely minimal bot blocking
Recurring Billing Maybe; depends on industry
Ticketing High; large target for bots
Travel High; complexity with payment timing
Marketplaces Maybe; depends on industry
Restaurants Low; likely minimal bot blocking
models to ensure that legitimate transactions made by an agent on behalf of a real person are not
blocked. This is particularly relevant for recurring billing, travel companies, and ticketing sites that
utilize sophisticated agent identification and bot blocking software. However, all merchants need to
be able to detect agents in order to transact securely on agentic commerce platforms.
What to track: Cloudflare, 402 initiative with Coinbase, the Networks
Searchability
2
The second step is to ensure that, once an agent arrives
at a merchant website, they can easily find what they
are looking for.
Whether it's a SKU, product description, or pricing,
merchants need to enable agents to find their
products on their website easily.
When an agent visits a merchant's website, the
merchant wants to ensure that the agent can retrieve
specific details to surface relevant products as options
for customers. If the agent cannot obtain accurate
product details, it will not display the merchant's
products to consumers. The Model Context Protocol
(MCP) was established to define these standards, which
merchants should understand and build to.Early
adoption of MCP standards by merchants will lead to
increased visibility on AI platforms.
When an agent shows up at a merchant website,
merchants want to make sure the agent can get
specific details to surface products as an option to
customers. Including
●If the agent can’t get accurate product details, it
simply won’t show the merchants products to
consumers.
●Model Context Protocol (MCP) set out to define
these standards, which merchants should
understand
●Early adoption will lead to increased visibility
SKU Information Pricing Product Descriptions
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The third step is to guarantee that agents can successfully create a shopping cart on the merchant's
website.
Agents need the ability to create, manage, and process a cart on a merchant's website. Without
this, an agent can’t check out on behalf of a customer.
For cart creation to occur, merchants must remove friction points on checkout pages that hinder an
agent's ability to place an order. This includes eliminating redundant screens, streamlining inputs,
offering a headless checkout API or embedded flow, and avoiding CAPTCHA, as well as other puzzles
that keep agents from creating a cart.
Merchants need to ensure that their beautiful checkout
pages can actually be used by an agent to fulfill purchases.
Remove friction points on your checkout page that make it hard for an agent to
place an order
Remove redundant screens and streamline inputs
Support real-time, clear checkout APIs
Offer a headless checkout API or embedded flow
Avoid CAPTCHAs, interactive puzzles, and invisible fraud signals that could keep
agents out
Cart Creation
3
Lastly, once an agent has cleared all of the above hurdles
and is ready to complete a purchase, merchants need to
verify that the transaction goes through and that they
receive payment credentials in their desired form.
Merchants need to ensure that every purchase goes
through seamlessly when their customer is ready to buy
through an agent.
There is a litany of options available today that aim to define
the final mile of commerce for merchants; however, when it’s
broken down to its core, merchants simply want to be able
to determine how they receive and process agent-based
transactions, just as they do today.
There are only a few payment options:
●Primary Account Number (PAN)
●Network Token
●Agentic Token (Visa Intelligent
Commerce, MasterCard Agent Pay)
●Virtual Card
●PSP Tokens
●Wallets
●Blockchain
But not all payment options are
created equal. Let’s take a look.
Transacting
4
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Transacting is a crucial step in the payment journey, as it ensures the merchant receives payment
from the customer through an agent. Merchants seem to be searching for a singular path when the
reality is that any merchant interacting with different agents may need to support multiple options.
For example, an agent could use Apple Pay or PayPal to perform the User Agent verification to enable
a transaction, but a second agent might use network-generated agentic tokens.
By analyzing a merchant’s current capabilities, especially for transactions, and ensuring the
merchant is agent-ready, then a merchant is unlocking agentic commerce to its fullest potential.
SECTION 2
Handshakes
Agentic commerce is already reshaping the way consumers shop
and engage with brands. One striking data point highlights how
quickly this trend is gaining traction: 92% of those using AI for
shopping like it and say it enhances their experience.³
As commerce becomes increasingly agentic, the shift toward
protocol-driven interactions promises speed, privacy, and
automation. Yet, somewhere between mandates and protocols, a
dangerous gap is forming. Merchants are losing sight of their
customer payment data altogether. That’s why VGS wants to
help merchants prepare for the coming wave of agentic
commerce.
using AI for shopping
like it and say it
enhances their
experience
92%
Why this matters for merchants
In an agent-driven commerce flow, a substantial amount of information must be transferred
securely and in sync across multiple parties for a single transaction to succeed. Yet, despite all this
data being gathered, transformed, and exchanged behind the scenes, the merchant or PSP
ultimately sees only a small slice of it. Each participant in the chain holds a different view of the
transaction, with limited visibility into what the others know.
To understand how these distributed pieces come together to enable a fully agentic purchase
experience, it helps to break down the series of “handshakes” that occur between parties throughout
the end-to-end flow.
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Merchant to PSP
Handshake
●Credential Type
(PAN, NT, PSP Token,
VCC)
Agent to Merchant
Handshake
●Agent Detection
(402, Cloudflare, Visa
Trusted Agent)
●Resource Access
(merchandise,
inventory, SKU, price)
●Cart Creation
Customer to Agent
Handshake
●ID & V (Customer
verification)
●Mandates (purchase
limits and
specifications)
●Valid Credential
Consumer Agent Merchant PSP
1st Handshake 2nd Handshake 3rd Handshake
Key handshakes in the agentic commerce journey
In the first handshake, the user delegates control to an agent.
In this handshake, a customer passes key pieces of information to an agent, including:
●Identity and verification: This is when an agent verifies that the user is who they say they are.
This can happen via 3DS, passkeys, and other methods.
●Mandates: The user sets a mandate. The mandates can be purchase price limits, quantity of
items, specific colors, or even airfare times. For example, they can input, ‘I want to buy a plane
ticket for less than $500 at any airline to New York.’
●Valid credentials: The user will need to have a valid form of payment to make the purchase.
Consumer-to-Agent Handshake
1
Agent-to-Merchant Handshake
2
The second handshake is when the agent interacts with the merchant.
In this handshake, an agent needs to interact with a merchant in a variety of ways, including:
●Agent Identification: An agent signals they are legitimate and not a bot.
●Accessibility to a merchant’s inventory/SKU: The agent must be able to access product names,
product descriptions, prices, colors, sizes, availability, etc.
●Cart Creation: The agent needs the ability to create a cart on the merchant’s website.
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Finally, the last handshake is when the merchant connects with its payment service provider
(PSP).
In this handshake, a merchant needs to pass one key piece of information to a PSP:
●Payment Credential: The merchants must have a payment credential. This can be a PAN,
Network Token, PSP Token, Virtual Card, or any other defined credential. This ensures that the
PSP can process the transaction and complete the final step.
Merchant-to-PSP Handshake
3
Merchant Data in Handshakes is Lost
In each of these handshakes, data is exchanged between parties to verify that a
legitimate, human-initiated transaction is occurring. When a user searches for new
furniture on an agent platform, they must trust that the agent will authorize only the
transaction they’ve approved, and merchants need that same assurance. However, as
shown in these handshakes, the most valuable data is primarily shared with the agent,
while little of it is passed downstream to the merchant or the PSP.
For merchants, this creates a structural infrastructure gap. The systems merchants rely
on today, such as fraud engines, loyalty programs, customer profiles, chargeback
workflows, personalization engines, and even basic transaction routing, were all built on
the assumption that they would have direct access to both user identity and behavioral
context. In agentic commerce, that context disappears unless a dedicated layer exists
to securely capture and distribute it.
Without an infrastructure partner to reintroduce this data into merchant systems in a
standardized, privacy-preserving way, merchants are left unable to make informed
decisions, optimize conversions, or maintain meaningful customer relationships in an
agent-driven world.
Merchants need a data infrastructure that prioritizes their needs.
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SECTION 3
The 4 Critical Data Elements in Agentic
Commerce Protocols and What They Mean
for Merchants
Americans used AI platforms to search
for products while shopping
1 in 5
As agentic protocols, such as AP2 and MCP, reshape how digital transactions are initiated, evaluated,
and completed, merchants must understand the data elements being passed through these
protocols and which data they don’t have access to.
From a merchant's point of view, the most dangerous part of agentic commerce and protocols is
that they lose touch with their customers. This isn’t ideal when one in five Americans used AI
platforms to search for products while shopping between June and September 2025.⁴ That’s 20%
and that number continue to grow especially for young adults where 24% have used AI platforms to
find products..⁴
When merchants can’t understand how and why customers make purchases, they cannot make the
most informed business decisions regarding loyalty programs, lifetime value, and even targeted
promotions.
The age of agentic commerce can introduce new avenues for conversion, but it can also introduce
a series of data blind spots for merchants, especially when it comes to payments and
transactions.
At the core of the structured flow between users, agents, and merchants in agentic commerce are 4
essential data elements that can be identified:
●Agent identification: An agent is defined as a legitimate agent and not a bot.
●Identification and Verification of a User: A person’s identity is validated, confirming that they
are who they claim to be.
●Consumer Mandates: The user has authorized this purchase according to specific parameters..
●Payment Credentials: The valid payment credentials are provided to process the transaction.
AP2
MCP
A2A
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Agent Identification
Agent identification is a crucial aspect of agentic commerce, where “agents” often resemble
automated bots on a webpage. Merchants face a challenge in distinguishing between legitimate
agents and malicious bots. While consumers understand that their agent is legitimate, when an
agent crawls a merchant's website, the merchant has no way of knowing if the agent is, in fact, a
human or a bot.
As a result, merchants may block these agents from accessing their sites simply because they
cannot verify their authenticity.
To address this, all protocols in agentic commerce include an agent registration step that essentially
asks, “Who is the agent?” though each protocol handles this verification differently.
Effective agent identification must occur at multiple points:
●at the network level, where agents can be provisioned with an agentic token
●and at the merchant level, where merchants can recognize and permit legitimate agents.
For example, Amazon currently blocks traffic from Perplexity because it cannot determine whether
the incoming requests come from a trusted agent, demonstrating the broader need for
standardized agent identification. Luckily, Cloudflare just announced a collaboration with Visa
around this.
Consumer Agent Merchant PSP
Confirming the identity of the consumer is mandated in many markets. Even in markets where it's
not mandated, CNP merchants are broadly familiar with 3DS.
ID & Verification (3DS, Passkeys)
Consumer Agent Merchant PSP
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One novelty of an agentic transaction is that the merchant becomes reliant on the agent to step in
and verify the consumer. The merchant then becomes one level removed and doesn't have access
to the consumer’s identity. Merchants simply have to trust that this happened as part of the flow
with the agent, but they don't receive that information directly in this flow. The merchant then cannot
save the user for a future purchase or use the information for a chargeback. An example of this is
when a user goes through 3DS on a merchant website; the merchant can add a ‘tag’ to that user to
help with their own fraud detection and chargeback prevention.
That is lost in the current model.
While many protocols, such as AP2 and VIC, have considered how to transmit identity verification
information to the network, there is no consensus approach on how this data flows to merchants.
In agentic commerce, a consumer mandate refers to the explicit set of permissions and
instructions that a consumer gives to their agent to act on their behalf.
Consumer mandates define what the agent is authorized to do, such as which merchants to engage
with, what price ranges to consider, preferred payment methods, shipping preferences, or even
ethical or sustainability criteria that guide purchase decisions.
Today, merchants have no visibility into these consumer preferences. They rely entirely on the
agent to discover their products, build a cart, and initiate a transaction, without understanding the
motivations or constraints driving the consumer’s choices. This lack of insight means that merchants
are often unaware of why a customer’s agent selected (or ignored) their offerings, limiting their
ability to optimize product presentation, pricing, or promotions.
Let’s look at an example of this.
A user prompts their shopping agent to purchase an end table for up to $500. A merchant happens
to sell a table priced at $501.
If thousands of users have configured similar agent rules, “buy an end table under $500”, then, in
theory, this merchant could convert a large volume of buyers simply by lowering their price to $499.
Consumer Mandates (Purchase limits and specifications)
Consumer Agent Merchant PSP
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The problem is that, under the current agent authorization protocols and models, the merchant
never receives that signal. They don’t know that a massive number of agents are attempting to
purchase within that range, or that they’re losing conversions by a single dollar.
As a result, the merchant misses out on potentially huge margins and demand intelligence.
Ultimately, a failed authorization is the likely outcome if the agent acts outside of the mandate.
However, if an agent passes this data to the merchant, they can make an informed business
decision (e.g., lower their price to $499 at the time the agent is on their site).
Payment Credential (Agentic Token)
Consumer Agent Merchant PSP
Once a user completes all the back-and-forth interactions with an agent, the merchant ultimately
receives only an agent token (a type of network token). This token verifies that the user has
successfully completed the necessary authentication and interaction steps. The token is single-use
and cannot be leveraged for purposes such as loyalty programs, card-on-file storage, subscriptions,
or other ongoing customer relationships.
In theory, this step could include all four data elements (agent identification, user identification,
shopping preferences, and valid payment credentials); however, as the protocols currently
contemplate, merchants end up with only abstracted credentials rather than all of the identifiable
customer data.
This abstraction creates several challenges. The PSP can still settle the transaction, but cannot
disclose the underlying customer identity or funding source. The merchant receives confirmation
that payment was settled, but without any traceable lineage showing where the funds originated or
which agents facilitated the transaction. As a result, dispute handling and reconciliation depend
heavily on intermediaries instead of direct merchant insight.
In this model, the payment ecosystem becomes opaque for both visibility and contextual
understanding for merchants and PSPs alike.
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Conclusion of Data Elements
Without access to these data elements, merchants are forced to operate in the dark. They
cannot:
●distinguish trusted agents from malicious bots
●verify or tag users for future transactions
●interpret consumer intent or understand the rules shaping a purchase attempt.
●connect payment credentials to meaningful customer insights, loyalty opportunities,
or dispute workflows.
The result is a fragmented ecosystem where merchants are asked to trust the process
without being provided with the necessary information to participate effectively.
But this gap is not a permanent condition; it’s an inflection point. As standards evolve and
interoperability between agents, networks, and merchant systems improves, these data
elements can become the foundation for a more transparent, efficient, and collaborative
commerce experience. With the right infrastructure, merchants can regain critical
visibility, agents can act with greater precision and accountability, and consumers can
benefit from seamless, personalized purchasing governed by their own preferences.
On Black Friday alone, sales
traffic from AI sources (LLMs) to
retail sites rose over 700% YoY
with 74.5% being from desktop
and 25.5% from mobile. ⁵
700%
74.5% from desktop 5.5% from mobile
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SECTION 4
VGS Provides the Merchant Infrastructure for
Agentic Commerce
More than half of consumers expect to use AI assistants for
shopping by the end of 2025. Agentic commerce is increasingly
in high demand for consumers.⁶ Additionally, Kearney projects
that AI shopping agents could drive roughly a quarter of all
e-commerce, around $10 to $12 trillion in annual online sales, by
2030.⁷ Throw in increased digital, protocol-driven interactions
that promise speed, privacy, and automation, and a dangerous
gap is forming for merchants. Merchants are losing access to
the data and context that have long powered fraud
prevention, authorization intelligence, customer
understanding, and overall business optimization.
AI shopping agents
could drive roughly a
quarter of all
e-commerce, around
$10 to $12
trillion
At VGS, we believe this new wave of agentic commerce represents an incredible channel, yet from a
merchant’s perspective, its greatest risk is the loss of direct insight into how and why customers
make purchases. These insights are crucial for making informed decisions regarding loyalty, lifetime
value, and targeted promotions.
While agentic commerce can unlock powerful new avenues for conversion, it also introduces
critical blind spots for merchants, particularly when it comes to understanding the payments and
transactions that drive their business.
This is where VGS steps in. VGS provides the critical infrastructure necessary to restore data
transparency, enabling merchants to thrive in an agent-driven environment. Positioned within the
transaction flow with agent permission, VGS captures the essential data elements and can securely
transmit them downstream to merchants and PSPs. By doing so, VGS reintroduces the context that
agentic commerce otherwise strips away from merchants.
SECOND TRANSACTION
User makes purchase through chat FIRST TRANSACTION
User provides card to agent for
premium subscription
PRO Subscription $20
Here are some options:
Crest 3DS white brilliance
is perfect, please buy.
Perfect. I’ll purchase using your
Visa card on file ending in 8765.
I need to buy whitening toothpaste.
Mint flavored. Please deliver this week.
AGENT
AGENT
BUY
Agent Identification
Mandates
ID & Verification
Payment Credentials
NETWORKS
Network Token
Agentic Token
PAN
Purchase limits
and specifications
Agent Info
Passkey
3DS
MERCHANT
Merchant
PSP
Cloudflare
Network Token
Agentic Token
PAN
Purchase limits
and specifications
Agent Info
Passkey
3DS
ISSUER
NETWORKS
Merchant can send any form of data on to
their PSP, regardless of what they receive
from agent (ie. PAN instead of NT)
Crest 3DS White Brilliance
$3.97 • Walmart
Colgate Plaque Pro Release
$5.28 • Target
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VGS’s critical role is bridging the growing data gap created by agentic commerce. To generate an
agentic token, VGS must collect a comprehensive set of data fields (including agent identification,
identity and verification, consumer mandates, and payment credentials) and send them to the
payment networks for validation. Because VGS participates throughout the transaction flow and
does so with agent permission, we are uniquely positioned to securely pass these data elements to
both merchants and payment service providers (PSPs), ensuring they have access to the
contextual information currently lost in upstream tokenization.
We believe this shared data is highly valuable for merchants and is also in the agent's best interest,
as it can enhance key areas such as fraud prevention, authorization rates, and customer analytics.
By enabling merchants to access this information and optionally share relevant insights with PSPs,
VGS can help restore visibility and trust across the payment ecosystem.
In this model, agent platforms also have an incentive to cooperate with merchants by sharing data
that supports better outcomes for all parties involved. VGS’s approach reduces the burden on both
merchants and agents by eliminating the need for multiple data captures. Instead, VGS collects the
required data once from the agent and securely distributes it downstream to any authorized party
who needs it.
Ultimately, VGS can ensure that the right data flows to the right participants while maintaining
privacy and compliance.
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GLOSSARY
Agentic Commerce
Agentic commerce refers to AI agents acting on behalf of an individual (usually a consumer) to make a
purchase online. In agentic commerce, agents generally use conversational AI models to help consumers
make purchasing decisions and ultimately complete a purchase on their behalf based on a set of
consumer-defined parameters. For consumers, agentic commerce aims to enhance the overall buying
user experience, similar to a personal assistant, who is authorized to make purchases on behalf of
consumers autonomously, enhancing the buying experience by removing purchasing friction. For
merchants, agentic commerce has the potential to increase sales and accelerate product discovery &
cross-sell opportunities.
Agentic Payment
An agentic payment refers to a payment initiated and executed autonomously by an AI agent, often
without direct human intervention at the point of checkout online. In agentic payments, the agent is
authorized to execute the transaction.
Agentic Token
An agentic token in payments is a type of digital token that can not only represent value but also carry the
ability to act on behalf of the user according to predefined rules or permissions.
AI Agent
In agentic commerce, AI agents are autonomous software entities that proactively manage and execute
various aspects of the e-commerce experience, such as researching and making a purchase. Unlike
traditional AI tools that require specific prompts or human oversight, these agents can operate with a high
degree of independence, making decisions and taking actions to fulfill user needs and business objectives.
AI Commerce Tools
AI commerce tools are advanced software applications powered by artificial intelligence that help
businesses automate and optimize critical aspects of online commerce. These tools streamline
e-commerce operations, enhance customer service experiences, and improve digital marketing strategies
through machine learning, data analytics, and intelligent automation.
AI Drive Commerce
AI-driven commerce leverages the power of artificial intelligence (AI) technologies to personalize,
automate, and optimize various aspects of the online buying and selling process. AI-driven commerce
creates a dynamic and intelligent shopping environment achieved through the application of machine
learning, natural language processing (NLP), computer vision, and other AI techniques across a multitude of
touchpoints.
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Apple Pay
Apple Pay is a mobile payment and digital wallet service developed by Apple Inc. that allows users to make
secure, contactless payments using their Apple devices, such as the iPhone, Apple Watch, iPad, or Mac.
These payments can be made in-stores, apps, and online. It replaces physical cards and cash with a safer,
faster, and more private way to pay.
Google Pay
Google Pay is a digital wallet and online payment platform developed by Google that allows users to make
secure, contactless payments using Android devices (smartphones, tablets, watches), in-person, on
websites, and in apps. It enables users to store credit/debit cards, loyalty cards, transit passes, and more for
fast and convenient checkout for both in-person and online transactions.
Payment Service Provider (PSP)
A PSP is a payment service provider. A payment service provider is a third-party company that allows
businesses to accept electronic payments.
Primary Account Number (PAN)
A PAN, or primary account number, is a 12- to 19-digit number that appears on a credit, debit or prepaid
card.
MasterCard Agent Pay
Mastercard Agent Pay is a solution that integrates with agentic AI to deliver smarter, more secure, and more
personal payment experiences to consumers, merchants, and issuers. It enhances generative AI
conversations for people and businesses alike by integrating seamless payment experiences into the
tailored recommendations and insights already provided on AI conversational platforms.
Visa Intelligent Commerce
Visa Intelligent Commerce is an initiative that enables AI to find and buy products. The initiative opens Visa's
payment network to developers and service providers who are building the foundational AI agents that are
transforming commerce. Visa Intelligence Commerce brings a suite of integrated APIs and a commercial
partner program, which includes VGS, to AI platforms, allowing developers to deploy Visa's AI commerce
capabilities securely and at scale. Visa Intelligent Commerce offers: AI-ready cards, AI-powered
personalization, and simple and secure AI payments.
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SOURCES
All brand names, logos, and/or trademarks are the property of their respective owners, are used for
identification purposes only, and do not necessarily imply product endorsement or affiliation with
VGS.
All references, links, and sources accessed: November 2025.
¹Pastore, M. (2025, October 17). Agentic commerce is here, and consumers want it to help find deals. MarTech.
https://martech.org/agentic-commerce-is-here-and-consumers-want-it-to-help-find-deals/#:~:text=78%
25%20of%20consumers%20used%20AI,now%20defines%20the%20checkout%20experience
²Schumacher, K., & Roberts, R. (2025, October 17). The agentic commerce opportunity: How AI agents are
ushering in a new era for consumers and merchants. McKinsey & Company.
https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-agentic-commerce-opportunity-h
ow-ai-agents-are-ushering-in-a-new-era-for-consumers-and-merchants
³The rise of agentic commerce. (2025). Visa.
https://corporate.visa.com/content/dam/VCOM/corporate/services/documents/vca-rise-of-agentic-com
merce.pdf
⁴Gaudiaut, T. (2025, November 11). U.S. consumers warm up to AI shopping tools. Statista Daily Data.
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